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Bajaj Allianz’s Two wheeler Insurance - Long Term Policy is designed to ensure that your vehicle is completely protected against unforeseen eventualities. This policy provides the longer cover for two years and three years, so you don’t have to renew it every year and get protected for a longer tenure.
Own Damage Cover
Accidental loss or damage to the two-wheeler insured is covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.
Cover towards Third Party Liability
Insured is covered against third party liability arising out of the use of his/her two-wheeler in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property owned by a third party.
Personal Accident Cover for Owner - Driver
In case of bodily injury/death caused to the owner cum driver of the two-wheeler, the compensation is payable depending on the nature of injury sustained.
For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.
This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 1 lakh is payable towards personal accident cover during any one period of insurance.
No Claim Bonus
The insured is entitled to receive No Claim Bonus at the time of renewal as per the NCB percentage applicable which includes 20%, 25%, 35%, 45% & 50%.
Compulsory deductible is applicable as stated in the policy schedule and the insurer is not liable for claims made towards loss/damage to the vehicle insured in respect of such deductible.
Insured has the flexibility to opt for a Voluntary deductible over and above the compulsory deductible. Upon opting voluntary deductible, a suitable discount will be allowed.
Discount for anti-theft devices: 2.5% discount on ‘Own Damage’ premium subject to a maximum of Rs 1000/Rs 1500 for policies having tenure as 2 years/3 years, respectively.
Automobile Association Membership Discount: 5% discount on ‘Own Damage’ premium subject to a maximum of Rs 100/Rs 150 for policies having tenure as 2 years/3 years, respectively.
Concession for Specially Designed / Modified Vehicles for the Disabled Persons: 50% discount on ‘Own Damage’ premium.
Discount for Side car attached: 25% discount on ‘Own Damage’ premium.
Following are the additional cover/add-ons that can be opted upon payment of additional premium.
Following are the conditions that are not covered under this policy: